Online Guarantee FAQs

What is HSBC's $0 Liability, Online Guarantee?

Through the $0 Liability, Online Guarantee, we pledge that you will not be liable for any unauthorized online bill payments and funds transfers on HSBC accounts made through Personal Internet Banking or unauthorized online use of your HSBC credit card.

The following are not covered under HSBC's $0 Liability, Online Guarantee:

Business or commercial accounts, accounts at other financial institutions or accounts not covered by the Federal Regulation E requirement.

Customer does not inform HSBC of the fraudulent use of their online accounts within 60 days after the statement date on the account in question.

Failure to report a lost or stolen Password or PIN within two business days (customer could be responsible for up to $500 from date of loss to date of reporting loss).

What practices can I adopt to help keep my online information safe?

At HSBC, the security of your information is paramount. Our systems and security procedures are designed to keep your personal and financial data confidential at all times. You also have a significant role to play and should adopt the practices outlined in HSBC's Security & Fraud Center to help keep your personal and financial information protected from unauthorized use. Please visit our HSBC Security & Fraud Center to learn more.